Globe LifeGL -0.42%89 3-Year ROIIC % is 7.06 as of Dec. 2025, which is 9% above its 10-year median of 6.46. GuruFocus rates GL with a GF Score™ of 89/100 and a GF Value™ of $149.69 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 334 Insurance companies, Globe Life ranks better than 55.99% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Globe Life's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 7.06%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Globe Life's 3-Year ROIIC % or its related term are showing as below:
GL's 3-Year ROIIC % is ranked better than 55.99% of 334
companies
in the Insurance industry
Industry Median: 5.09
vs GL: 7.06
Globe Life (NYSE:GL) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Globe Life 3-Year ROIIC % Related Terms
Globe Life 3-Year ROIIC % Historical Data
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The historical data trend for Globe Life's 3-Year ROIIC % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Life subindustry, Globe Life's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Globe Life 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Globe Life's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Globe Life's 3-Year ROIIC % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Globe Life (GL) has a 3-Year ROIIC % of 7.06 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Globe Life and its competitors. This is near median its historical median of 6.46. According to the industry distribution chart, Globe Life ranks #147 out of 334 companies in the Insurance industry, placing it in the top 44%.
Is Globe Life's 3-Year ROIIC % too high?
Globe Life's current 3-Year ROIIC % of 7.06 is near median its 10-year median of 6.46. The Insurance industry median 3-Year ROIIC % is 5.09. Globe Life's value of 7.06 is 38.7% above this industry median. Based on the distribution chart, Globe Life ranks #147 out of 334 companies in the Insurance industry, which is above the industry midpoint. Overall, Globe Life has a GF Score™ of 89/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Globe Life's 3-Year ROIIC % compare to UNM and PRI?
According to the Insurance industry distribution chart, Globe Life ranks #147 out of 334 companies for 3-Year ROIIC %. This puts Globe Life in the upper half of its industry. The industry median 3-Year ROIIC % is 5.09. Globe Life's value of 7.06 is 38.7% above this benchmark. While the company's 10-year median is 6.46 vs. the industry median of 5.09, Globe Life has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.09, based on 334 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Globe Life's current 3-Year ROIIC % of 7.06 is 38.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Globe Life and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Globe Life's current 3-Year ROIIC % is 7.06, which is near median its own 10-year median of 6.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Globe Life stock overvalued right now?
Based on GuruFocus' analysis, Globe Life (GL) is currently considered Modestly Overvalued. The stock's GF Value™ is $149.69, compared to a current price of $178.56 — trading 19.3% above its estimated fair value. The current 3-Year ROIIC % is 7.06, which is near median its 10-year median of 6.46 and 38.7% above the Insurance industry median of 5.09. Globe Life's overall GF Score™ is 89/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Globe Life (GL), the current 3-Year ROIIC % is 7.06 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Globe Life (GL) Overvalued in 2026?
Based on GuruFocus' analysis, Globe Life stock appears to be overvalued.
The current stock price of $178.56 is trading 19.3% above its estimated GF Value™ of $149.69.
GuruFocus considers Globe Life to be Modestly Overvalued.
Key valuation signals for GL:
3-Year ROIIC %: 7.06 (near median its 10-year median of 6.46)
GF Value™: $149.69 vs. price of $178.56 (19.3% above fair value)
Industry Position: 38.7% above the Insurance median (#147 of 334)
No single metric tells the full story. See the GL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Globe Life Inc is an insurance holding company. It provides a variety of life and supplemental health insurance products and annuities to a broad base of customers. The company's core operations are organized into three reportable segments: life insurance, supplemental health insurance and investments. Investment activities, conducted by the investment segment, focus on seeking investments with a yield and term appropriate to support the insurance product obligations. These investments generally consist of fixed maturities and, over the long term, the expected yields are considered when setting insurance premium rates and product profitability expectations.
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